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South Division

Evergreen Park, IL · Charter 65550

NCUA · 4 branches

Q2 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2021, the quarter ended June 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

South Division

Evergreen Park, IL · Charter 65550

NCUA · 4 branches

Q2 2021

$51.6MAssets
$15.1MLoans
$47.6MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.98%, down 16 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.17% of loans (-48 bps YoY).
  • Capital: net worth / assets of 7.47%, down 395 bps from a year ago.
  • Funding: loans stand at 31.82% of shares as of Q2 2021.

Return on Assets (YTD, annualized)

-0.98%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.14%-61 bps YoY

Efficiency Ratio (YTD, annualized)

125.76%+1,156 bps YoY

Net Worth / Assets

7.47%-395 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.16%0.28%-0.73%-0.81%-0.93%-4.08%-0.63%-0.98%-16 bps
Return on Equity1.14%2.02%-5.32%-7.13%-8.40%-48.53%-8.08%-13.07%-594 bps
Net Interest Margin3.49%3.48%3.45%2.75%2.64%2.83%2.17%2.14%-61 bps
Efficiency Ratio95.66%94.84%106.97%114.19%117.71%161.75%115.56%125.76%+1,156 bps
Growth
Asset Growth (YoY)-4.45%-1.86%-1.28%16.95%17.39%9.35%14.42%-2.83%-1,978 bps
Loan Growth (YoY)8.99%9.43%13.03%16.95%5.59%3.06%-2.98%-14.56%-3,151 bps
Share Growth (YoY)-5.47%-3.13%-0.43%10.51%12.82%14.52%19.02%8.60%-192 bps
Asset Quality
Delinquent Loans / Loans0.75%0.66%0.85%0.65%3.70%0.38%0.13%0.17%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.24%2.05%2.22%1.83%1.74%4.05%4.23%4.50%+268 bps
Capital
Risk-Based Capital13.86%14.04%13.75%11.42%11.07%8.40%7.81%7.47%-395 bps
Net Worth / Assets13.86%14.04%13.75%11.42%11.07%8.40%7.81%7.47%-395 bps
Liquidity & Funding
Loans / Shares43.95%44.11%42.68%40.44%41.14%39.70%34.79%31.82%-863 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps